> ## Documentation Index > Fetch the complete documentation index at: https://docs.60db.ai/llms.txt > Use this file to discover all available pages before exploring further. # Plans, Credits & Top-ups > How plan credits renew, the order credits are used, and how Creator and Pro workspaces buy top-ups at their plan rate Every workspace uses **plan credits** that renew each month. Creator and Pro workspaces can also buy **top-ups** when they need more before the next renewal. Plan prices and features are on [60db.ai/pricing](https://60db.ai/pricing). ## Plan credits | Plan | Credits per month | Top-ups | | - | - | - | | Free | 3,000 | Not available | | Starter | 120,000 | Not available | | Creator | 400,000 | Yes | | Pro | 2,000,000 | Yes | * **1 credit = 1 TTS character.** At pay-as-you-go usage rates, 1 credit = $0.00002 (50,000 credits per $1). The usage rates table on the [pricing page](https://60db.ai/pricing) lists the cost of each service. * Plan credits **renew monthly**, on monthly and yearly plans alike. Unused plan credits **do not roll over**, except when you upgrade or switch to yearly billing (see [Annual billing](#annual-billing)). ## Concurrency limits Each plan limits how many text-to-speech and speech-to-text requests a workspace can run **at the same time**. REST and WebSocket requests count together, and everyone using the workspace (members and API keys) shares the limit. | Plan | TTS concurrency | STT concurrency | | - | - | - | | Free | 1 | 2 | | Starter | 5 | 10 | | Creator | 10 | 20 | | Pro | 20 | 50 | * A request over the limit gets **HTTP 429** with `error_code` `TTS_CONCURRENCY_LIMIT` or `STT_CONCURRENCY_LIMIT`, and `details.limit` / `details.plan`. On WebSocket the session is closed with code `1008` and the same error. * A slot frees as soon as a request finishes or the client disconnects. Retry then (with backoff), or upgrade for a higher limit. * `GET /plans` returns each plan's `concurrency`, and `GET /billing/current-plan` returns your workspace's. ## Annual billing Starter, Creator and Pro can be billed **monthly** or **yearly**. A yearly plan costs 10 monthly payments, so you get **2 months free** (about 16.7% off). Free has no yearly option. | Plan | Monthly | Yearly | Yearly, per month | Credits per month | | - | - | - | - | - | | Starter | \$6 | \$60 per year | \$5.00 | 120,000 | | Creator | \$22 | \$220 per year | \$18.33 | 400,000 | | Pro | \$99 | \$990 per year | \$82.50 | 2,000,000 | * **Credits stay monthly.** A yearly plan renews its plan credits every month, on the day your subscription started. You are billed once a year, but you get the same monthly allotment as on a monthly plan. Unused credits do not roll over. * **Top-ups** on Creator and Pro use the monthly plan rate, whichever billing cycle you choose. ### Switching plans | Change | When it takes effect | Unused plan credits | Notes | | - | - | - | - | | Monthly to yearly (same or higher plan) | Immediately | Carry over | A new yearly term starts now and the monthly plan ends. You pay the full yearly price. | | Yearly to a higher yearly plan | Immediately | Carry over | You get a discount at checkout: (unused full months − 2) × your old monthly price. For example, Creator yearly with 9 months left gets \$154 off Pro yearly. | | Monthly to a higher monthly plan | Immediately | Carry over | Checkout confirms the new plan. | | Downgrade (any cycle) | End of the current billing cycle | Kept until then | A downgrade keeps your billing cycle. Choose the lower plan on the same cycle. | | Yearly to monthly | Not allowed | — | Cancel the yearly plan first. It stays active until the end of the year, then you can choose a monthly plan. | | Cancel | End of the current billing cycle | Kept until then | Access continues until the period ends. | > [!NOTE] > > Changing a yearly plan to a monthly plan is not allowed in place. The API returns `403 YEARLY_TO_MONTHLY_NOT_ALLOWED`. ### Refunds Refunds are available **within 14 days of payment and only if no plan or top-up credits were used**. Contact 60db support to request one. There is no self-serve refund button. An approved refund returns the full payment and ends the plan immediately. ### Endpoints | Task | Endpoint | | - | - | | List plans with monthly and yearly prices | [`GET /plans`](https://docs.60db.ai/api-reference/billing/plans) | | Start checkout on a cycle, or change plan | [`POST /billing/subscribe`](https://docs.60db.ai/api-reference/billing/subscribe) | | Read the cycle, next credit reset and next payment | [`GET /billing/current-plan`](https://docs.60db.ai/api-reference/billing/current-plan) | ## Deduction order 1. **Plan credits** are used first. 2. **Top-up and bonus credits** are used when plan credits run out. Top-up credits **never expire** and stay usable if you later move to a lower plan. ## When credits run out | Interface | What you get | | - | - | | REST | `402` with `error_code` `PLAN_CREDITS_EXHAUSTED` or `INSUFFICIENT_CREDITS`. `details.topup_available` tells you whether a top-up can be bought on this plan. | | WebSocket | Closed with code `1008` and reason `INSUFFICIENT_CREDITS`. | What to do next: * **Free or Starter:** upgrade to Creator or Pro, or wait for the monthly renewal. * **Creator or Pro:** buy a top-up, or wait for the monthly renewal. ## Top-ups (Creator and Pro) Top-ups are available to workspaces on the **Creator** and **Pro** plans with an active or trialing subscription. * **Amount:** $10 to $1,000 per top-up. Presets are $10, $25, $50 and $100. * **Rate:** top-ups are priced at **your plan's rate**, not the usage rate. ```text theme={null} credits = floor(amount_usd × plan monthly_credits / plan price_usd) ``` | Paid | Creator credits (400,000 / \$22) | Pro credits (2,000,000 / \$99) | | - | - | - | | \$10 | 181,818 | 202,020 | | \$25 | 454,545 | 505,050 | | \$50 | 909,090 | 1,010,101 | | \$100 | 1,818,181 | 2,020,202 | Creator is about 18,181.8 credits per $1. Pro is about 20,202 credits per $1. > [!NOTE] > > The credit amount is fixed when you start checkout. A later plan change does not change the credits you bought. A coupon lowers the price you pay, but it does not change the credits. ### Who can buy Only the **workspace owner** can view or buy top-ups. This requires the `billing:manage` permission. Other roles receive `403 Forbidden`. On Free and Starter, a top-up request returns `403 TOPUP_NOT_AVAILABLE_ON_PLAN`. ## Check your balance and buy | Task | Endpoint | | - | - | | See plan, presets and balance | [`GET /billing/topup`](https://docs.60db.ai/api-reference/billing/topup-info) | | Quote a custom amount | [`GET /billing/topup/quote`](https://docs.60db.ai/api-reference/billing/topup-quote) | | Start checkout | [`POST /billing/add-funds`](https://docs.60db.ai/api-reference/billing/add-funds) | | View top-up history | [`GET /billing/usage-logs`](https://docs.60db.ai/api-reference/billing/usage-logs) (`TOP_UP` rows) | ## Automatic top-up (coming soon) Automatic top-up is in development. When it is enabled for your account, it will reload credits from a saved card when your balance runs low, up to a monthly limit you set. It is not available yet, so buy top-ups manually for now. ## Related * [Errors and status codes](https://docs.60db.ai/api-reference/introduction.md#http-status-codes) * [Troubleshooting](https://docs.60db.ai/api-reference/troubleshooting.md#billing--credits-issues) This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.